A snapshot of health insurance rates with super top-ups offered by banks
Here is how the health insurance rates offered by various banks stack up
premium
| Insurer & plan | Premium-base policy (~) | Total premium with Option 1 STU* (~) | Total premium with Option 2 STU** (~) |
| Care Health-NCB Super Premium | 9,092 | 9,874 | 9,990 |
| Max Bupa-Health ReAssure | 9,590 | 10,372 | 10,488 |
| Star Health-Medi Classic | 9,661 | 10,443 | 10,559 |
| HDFC Ergo Health-Optima Restore | 11,575 | 12,357 | 12,473 |
| HDFC Ergo-My:health Suraksha Gold Smart | 13,886 | 14,668 | 14,784 |
| Aditya Birla-Active Assure - Diamond | 7,919 | 8,701 | 8,817 |
| Digit-Maxima Restore Super | 8,861 | 9,643 | 9,759 |
| Bajaj Allianz-Individual Health Guard | 12,213 | 12,995 | 13,111 |
| SBI General-Arogya Premier | 11,074 | 11,856 | 11,972 |
| Royal Sundaram - Lifeline Supreme | 8,578 | 9,360 | 9,456 |
Premium rates are for top 10 insurers offering health cover of Rs10 lakh on base policy. All rates are for a 30-year old male living in a metro.
*Option 1 Super Top-up (STU) is Max Health Recharge with Rs 40 lakh sum insured, whose premium is Rs 782.
**Option 2 STU is Max Health Recharge with Rs 90 lakh sum insured, whose premium is Rs 898.
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